Yes – and here’s what you need to know.
If you’re currently on maternity leave and wondering whether it’s even possible to get a mortgage right now – you’re not alone.
We get this question a lot at HLC Mortgages, and the good news is: yes, you absolutely can apply for a mortgage while on maternity leave.
But, like with anything mortgage-related, there are a few things to be aware of – and some key steps you can take to make the process smoother.
Whether you’re a first-time buyer, moving home, or looking to remortgage, here’s everything you need to know about securing a mortgage during maternity leave.
First Things First: Maternity Leave Doesn’t Mean You Can’t Get a Mortgage
Let’s bust the biggest myth upfront.
Being on maternity leave does not automatically disqualify you from getting a mortgage.
Lenders understand that people take time off to care for their families. What they want to know is whether you’ll be able to afford your mortgage both now and when you return to work.
So, if you’re on maternity leave (or about to go on it), it’s totally possible to secure a mortgage – you just need to present your situation clearly and provide the right paperwork.
How Do Lenders View Maternity Leave?
Lenders mainly want to understand two things:
- What is your income right now?
- What will your income be when you return to work?
Most lenders will ask:
- What your current income is while on leave (Statutory Maternity Pay, enhanced employer pay, etc.)
- When you’re planning to return to work
- What your income will be once you’re back
- Whether your role is guaranteed when you return
If you’re planning to go back to the same hours and pay as before, many lenders will assess your mortgage based on your full return-to-work income – not your reduced income during leave.
That’s a big help when it comes to affordability.
🧾 What Documents Will I Need?
Every lender is slightly different, but here’s what you’ll typically be asked to provide:
- Employer letter confirming your return-to-work date, job role, and salary
- Payslips from before maternity leave began
- Bank statements (usually the last 3–6 months)
- Maternity pay details (Statutory and/or employer top-up)
- Your mortgage application details including any benefits or other income
A mortgage broker (like us!) can help you gather what’s needed and present it clearly to the lender.
What If I’m Not Going Back to Work Full-Time?
That’s totally okay – but you’ll need to be upfront about it.
If you’re planning to return part-time, your mortgage will likely be assessed on that part-time income rather than your previous full-time wage. The lender will want to see:
- A letter from your employer confirming the new working hours and salary
- Any additional income that will support the mortgage (partner’s income, benefits, savings, etc.)
The key here is transparency. The more clearly you show what your financial picture will look like post-maternity leave, the easier it is for the lender to say ‘yes’.
Tips to Strengthen Your Application
Here are a few smart moves that can boost your chances of mortgage approval while on maternity leave:
✅ Use a joint application
If your partner is working, applying jointly can help strengthen affordability.
✅ Keep your credit score healthy
Make sure bills are paid on time and avoid taking on new debt during this time.
✅ Reduce existing debts
If you’re able to lower any outstanding credit card or loan balances, this will improve your affordability in the eyes of the lender.
✅ Speak to a broker early
We can help you choose a lender who understands maternity leave income – and help you avoid ones with more rigid criteria.
Common Mistakes to Avoid
- Not disclosing your maternity leave: Lenders will find out when they look at your income – honesty is always the best policy.
- Applying to the wrong lender: Not all lenders treat maternity leave income the same. Going to the wrong one can lead to rejection or unnecessary stress.
- Waiting too long: If you’re planning to move or remortgage soon, it’s better to start the conversation early so you can get everything in place.
How HLC Mortgages Can Help
At HLC Mortgages, we’ve helped lots of clients secure mortgages during maternity leave. We understand how to structure your application to present your situation in the best light and match you with lenders who are flexible and understanding.
We’ll take care of:
- Finding the right lender for your circumstances
- Helping you gather the correct documents
- Explaining everything in plain English
- Handling the paperwork (and chasing it up too!)
Whether you’re on maternity leave now, planning to be, or just figuring things out – we’re here to help.
Final Thoughts
Yes – you can get a mortgage while on maternity leave. The key is to be organised, transparent, and work with someone who knows how to present your application properly.
It might feel like a lot to juggle, especially with a new baby (or one on the way!), but you don’t have to do it alone.
Ready to explore your mortgage options while on maternity leave?
Get in touch for a no-pressure chat with HLC Mortgages today – we’ll guide you every step of the way.